I have time machine and just let them fly with --dangerously-skip-permissions on my Mac. Worst thing it's done is back up a database, delete the database, and then run git clean locally which also wiped out the backup, so I'm not saying there are no dangers but honestly I've made worse mistakes and probably more frequently so I generally trust Claude with about the same level of access as me now.
Most common is deleting files etc but if you're using git and have backups it's barely noticeable
How are you going to notice that while working on ~/projects/acme3000 it for some reason deleted ~/photos/2003/once-in-a-lifetime-holiday/?
Backups are great when you know you need to restore.